Struggling to find decent hard money

[Rochelle Gerber]

Hi everyone! Came back so excited from BPCON to really get going w/BRRRR and fix/flip. Finding it really hard to get decent hard money. Presenting average deals of : Puchase price 350-400,000. ARV 550-600,000. Hard money (multiple lenders such as Easy , Griffin, etc) all quoting barely 80% of purchase price so I will still have to come in with 20% (deal limiting if I am also putting all the money in for rehab). Can someone help advise what I'm missing? Why would I use hard money with all the points and fees if I have to put down 20% anyway?